If you’ve ever been in an accident, you know that auto insurance can be a life-saver. But what about the smaller incidents – like when you accidentally back into a pole or scrape the side of your auto on a curb? Does auto insurance cover dents and scratches? In this article, we’ll explore what you can expect from your auto insurance policy when it comes to dents and scratches.
What is Auto Insurance, and What Does It Cover?
Most people are familiar with auto insurance, but there is a lot of confusion about what it actually does. In short, auto insurance chicago is designed to protect you financially in the event of an accident. If you are involved in an accident, and it is determined that you are at fault, your auto insurance policy will cover the cost of repairing or replacing the other driver’s vehicle.
In addition, auto insurance will also cover your own vehicle if it is damaged in an accident. You may also speak with an agent for personal auto insurance in Decatur, GA, to be sure. Plus, they will offer you the best policy that meets your needs and budget.
Are Dents and Scratches Covered by Auto Insurance?
Most auto insurance policies will cover dents and scratches, but there may be some limitations. For example, your policy may have a deductible that you will have to pay before the insurance company starts covering the cost of repairs. In addition, some policies may only cover damage that is considered to be “cosmetic,” which means that the damage does not affect the structural integrity of the vehicle.
Apart from this, some may cover the damages based on the agreement you have made with them. For instance, if you have a full coverage insurance policy, then your insurer will pay for the damages caused to your auto, no matter who is at fault. If you’re not sure whether your policy covers dents and scratches, the best thing to do is contact your insurance company about insurance in Decatur, GA, and ask them about the specifics of your policy. They will also be able to tell you how much your deductible is and what types of repairs are considered to be cosmetic.
To Conclude
Dents and scratches are usually covered by auto insurance, but there may be some limitations. It’s always a good idea to contact your insurance company and find the policy that meets your requirement.
